Food, heat or house payment---what as agnoizing decision to have to even think about making.  Holidays are fast approaching and it is that time of year most people spend a little more. This puts even greater pressure on any sane adult. Make an early New Year's resolution, talk to a Benicia Short Sale agent. If you are upside down with your mortgage, the best Holiday gift you can give yourself is information and education on the steps you can take to be in charge of your future.

What if you are that person who has to choose between food for the family or maybe gas to heat your home now that winter is upon us or the house payment? 

You choose food and heat for your family.  Soon your lender will start calling and sending mail asking you to make your payment.  You might try to catch up by using your savings, your 401K plan, borrowing from family, borrowing from friends, anything to keep going.  You may lose sleep, refuse to talk to your lender, throw away the mail from your lender, cover your head and try not to think of what might happen.  It takes its toll on your physical and mental health, and also of those around you.

Make an early New Years Resolution, talk to a Benicia CA short sale agent.  Find out your options sooner than later. The Mortgage Debt Relief Act is set to expire the end of 2012. IF there is no way you can afford your payments now or in the future, take charge of your future NOW.  You will be glad you did!